互联网金融发展现状及其风险管控

The Current Situation of the Development of the Internet Finance and Its Risk Controls

在资金需求方与供给方之间,互联网金融为其提供了有别于传统银行业和证券市场的新渠道,提高了资金融通的效率,是现有金融体系的有益补充。同时作为一种新的金融业态,目前对其监管的理论基础、必要性和审慎尺度等方面,尚缺乏深入的研究和讨论,现行法律规定和监管标准在一定程度上仍属盲区,以至成为行业监管的重点、难点和风险隐患的多发点,使我国现行金融监管体系面临严峻挑战。本文从国外成熟市场的互联网金融发展现状及监管实践出发,分析国内互联网金融发展现状及前景,并就我国互联网金融监管目前存在的问题进行分析探讨,提出一些应对建议。

The Interact finance provides new channels different from the traditional banking and securities market for the capital demand and supply, improves the efficiency of the financing, and is a beneficial supplement of the existing financial system. At the same time, as a kind of new forms of the financial industry, at present there are not sufficient deep research and discussion on the theo- retical basis, necessity and prudent measure of carrying out the regulation on the Interact finance, and the current laws and regulations and regulatory standards to a certain extent is still blank, so the Intemet finance becomes the emphases and difficulties of the industry regulation and is subject to risks, which make the current financial regulatory system in China face severe challenges. From the current development situation and regulatory practice of the Internet finance of foreign mature market, the paper analyzes the present development situation and prospects of the domestic Internet finance, and puts forward some proposals to deal with the existing problems of the regulations on the Interuet finance in China at present.